192 Bay Tree Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 192 Bay Tree Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,555 sqft · built 1996
Lot Size	0.13 acres (5,706 sqft)
Owner	2 Owner Names on File
Last Sale	$196,500 (Dec 2010)
Tax Bill	$2,494 (2024)
Flood Zone	Zone X (minimal risk)
APN	`28-2S-21-42401-00B-0160`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42401-00B-0160`
Alternative APN	`1060435`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,555 sqft Living Area
Gross Area	2,176 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,706 sqft (0.13 acres)
Lot Dimensions	10.3 ft deep x 5.7 ft wide
Garage Type	Finished
Garage Area	476 sqft
Porch	Porch
Porch Area	145 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1060435
Street Address	192 BAY TREE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7841
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 BLK B TREETOPS AT BAYSIDE PB 10-23 OR 1222-156 OR 2304-78 OR 2376-1888 OR 2854-3404
Legal Range	21W
Legal Township	02S
Legal Section	28
Legal Subdivision	TREETOPS AT BAYSIDE
Legal Block	B
Legal Lot Number	16
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2006
Census Tract	950609

Owner

Source: Walton County records · APN 28-2S-21-42401-00B-0160

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on File
Mailing Address	192 BAY TREE DR, MIRAMAR BEACH, FL 32550-7841
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 01, 2010 · Amount on Record
Deed Sale	Dec 01, 2010 · Amount on Record
Prior Sale	Jan 14, 2002 · Amount on Record
Deed Document Number	1138899
Deed Book / Page	2854 / 3404
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$387,551 (+6.37%) Land $85,000 Building $302,551	$387,551 (+6.37%) Land $85,000 Building $302,551
2024	$2,494.00 (+8.62%)
2023	$2,296.00 (+6.25%) Homeowner's exemption	$364,327 (+8.58%) Land $53,735 Building $310,592	$364,327 (+8.58%) Land $53,735 Building $310,592
2022	$2,161.00 Homeowner's exemption	$335,536 Land $59,646 Building $275,890	$335,536 Land $59,646 Building $275,890

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 428 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	645 units insured incl. 217 condo units
Nearby Flood Claims	23 (1998–2024)
Claims Outside the SFHA	10 of 23
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 6 claims

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: LiveOak Fiber, Lumen Technologies, Mediacom Communications, Wildstar Networks.

Based on FCC filings for 337 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.